Privacy Policy & TCPA Compliance Disclaimer

Last Updated: 02/28/2026

This website is operated by Frank Jr Brenes, an independent licensed insurance producer. Marketing infrastructure, automation technology, and lead management services may be provided by ApexCRM.ai.

We are committed to protecting the privacy of our users. This Privacy Policy outlines how we collect, use, disclose, and safeguard your personal information when you visit our website or engage with our services.

Life Insurance Inquiry Notice

Thank you for your interest in life insurance. To better serve you and respect your preferences, please review the following information.

Point of Contact

By submitting this inquiry form you acknowledge and agree that Frank Jr Brenes, National Producer Number (NPN) 20435840, will be the licensed insurance producer contacting you regarding your life insurance and/or annuity inquiry.

Communication Consent (TCPA)

By checking the consent Box, you are allowing to receive promotional/marketing SMS communications regarding insurance quotes and policy information from Frank Jr Brenes on behalf of Mortgage Protection System, a licensed insurance producer. Message frequency may vary. Message and data rates may apply

A licensed representative or assistant working with Frank Jr Brenes may contact you to schedule an appointment or respond to your inquiry regarding life insurance coverage options.

Information Handling

We do not sell your personal information. Information submitted through this website is delivered directly to Frank Jr Brenes, the licensed insurance producer responsible for responding to your inquiry.

Information We Collect

Log Data

When you visit our website, our servers may automatically collect certain information including your IP address, browser type, referring pages, and operating system.

Cookies

We may use cookies to enhance your browsing experience. You may disable cookies through your browser settings, however doing so may affect certain functionality of the website.

How We Use Your Information

We use the information collected to:

- Respond to inquiries regarding life insurance products
- Schedule consultations or appointments
- Provide requested information regarding insurance options
- Improve our website and services

Information submitted may be used to communicate with you via phone calls, SMS messages, or email regarding insurance inquiries submitted through this website.

Information Sharing

We do not sell, trade, or transfer your personal information to Third parties without your consent.

No Mobile information will be shared with third parties/affiliates for marketing/promotional purposes. Information sharing to subcontractors in support services, such as customer service, is permitted.

Online Advertising Disclaimer

This website may utilize online advertising platforms and marketing technologies which may collect anonymous data through cookies or tracking technologies to improve advertising relevance.

Users may control cookie settings through their browser preferences.

Data Security

We implement reasonable security measures designed to protect your personal information. However, no internet transmission can be guaranteed to be 100% secure.

Licensing Disclosure

Frank Jr Brenes is a licensed life insurance producer.

Resident License State: UT

National Producer Number (NPN): 20435840

License Number: 950742

Products and availability may vary by state and may only be offered in states where the producer is properly licensed.

Platform Technology Disclaimer

ApexCRM.ai provides marketing technology, automation tools, and lead management infrastructure used by independent licensed insurance producers.

ApexCRM.ai is not an insurance agency, broker, or insurance carrier and does not sell, solicit, or negotiate insurance products.

All insurance inquiries submitted through this website are directed to Frank Jr Brenes, an independent licensed insurance producer responsible for responding to the inquiry and complying with all applicable insurance regulations, licensing requirements, and consumer protection laws.

Each insurance producer using this platform is independently responsible for maintaining proper licensing, regulatory compliance, and adherence to federal and state laws including but not limited to the Telephone Consumer Protection Act (TCPA), Do Not Call regulations, and state insurance solicitation laws.

Lead Inquiry Disclosure

Lead inquiries submitted through this website may be routed through technology systems operated by ApexCRM.ai and delivered directly to the licensed producer listed on this website.

Lead inquiries are provided on an inquiry basis only and do not constitute a guaranteed sale, policy approval, or insurance coverage.

ApexCRM.ai does not guarantee the availability, suitability, or issuance of any insurance product.

Your Choices

You may opt out of receiving communications from us by following unsubscribe instructions included in emails or by contacting us directly. You may revoke consent at any time by replying STOP to SMS communications or contacting us directly. Reply HELP for assistance.

To update your contact preferences please contact:

[email protected]

Changes to This Privacy Policy

We may update this Privacy Policy periodically. Please review this page regularly to remain informed of our privacy practices.

Contact

If you have any questions regarding this Privacy Policy or how your information is used, please contact:

[email protected]

By using this website you acknowledge and agree to this Privacy Policy.